Tag Archives: business owners insurance

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Small Business Insurance Policy

Small businesses are the core of the economy; make sure yours is covered with a proper small business insurance policy. Contact Keep Insurance today for an insurance quote. Continue reading

Workers Compensation Insurance Coverage

Workplace accidents are all too common – it is imperative to have workers compensation insurance to protect your business. Contact Keep Insurance today for an insurance quote. Continue reading

Commercial Insurance Policy Westchester NY

Catastrophes can happen at any time. Purchasing commercial insurance can help protect you and your business from substantial liability and financial loss. Continue reading

Umbrella Insurance Quote

Unlike other insurance policies, umbrella insurance has the ability to cover you beyond your basic insurance. Make sure you’re protected, contact Keep Insurance in Westchester NY today for an umbrella insurance quote. Continue reading

Business Liability Insurance Coverage in Westchester NY

Owning a business can be tough. Let Keep Insurance help ease your mind with business liability insurance in Westchester NY.

Business Liability Insurance Coverage in Westchester NY

Business Liability Insurance Westchester NY

General business liability insurance coverage can help provide financial protection for businesses with a variety of liability exposures. Exposures covered under this type of insurance could include liabilities resulting from accidents on the insured’s property, products sold by the insured and contractual liability. It could also help protect the company’s assets and pay for obligations such as medical costs, legal fees, or settlement awards resulting from injury on the property.

How Important is Business Liability Insurance Coverage?

Purchasing business liability insurance coverage is crucial to a business’s long-term success. In the event that your company experiences an unexpected loss, accident or lawsuit, it could help save your business from severe financial loss.

It is important to make sure you have the right insurance for your needs to protect your business. Owners who are reluctant to purchase business liability insurance should consider the potential for financial disaster if an accident occurred with no protection. Certain businesses operate at a high level of risk – those within the construction industry are a prime example due to their use of hazardous tools and materials like ladders, power tools, etc.

To purchase business liability insurance coverage, the insured will pay an annual premium, the amount of which will depend on your line of business and the types of coverage needs.  However, it is important to be informed of what exactly your policy covers – there are a number of perils not covered under insurance, as wells as a maximum monetary amount your policy will cover.

There are 3 main types of business liability insurance coverage:

•             Product Liability Insurance Coverage

Product liability insurance helps protect businesses that manufacture and distribute products in the event that one of their products is defective and/or causes harm to the user. This means, if there is an injury or property damage resulting from the product’s use, insurance could help protect the manufacturer from certain product liabilities and lawsuits.

Product liability insurance can protect from financial loss due to legal liability, injury or damage resulting from the use of their product, or injury incurred by an employee while performing paid work. Some products may be more likely to causes injury than others even if the product is not defective. The risk is assessed based on the nature of the product.

•             General Liability Insurance Coverage

For most business types, this is an essential coverage. General liability insurance could help with multiple forms of liability, from property damage to physical injury; it could even help protect the holder against libel and slander charges.

•             Professional Liability Insurance Coverage

Professional liability insurance is also known as ‘errors and omissions insurance’ and could help to protect business owners from bankruptcy when facing malpractice or negligence lawsuit damage payments.

There are many benefits to starting up a small business, but there is a large amount of inherent risk as well. It is important that every business owner take this risk seriously, and invest in the security of business liability insurance for his or her company and its employees.

If you are looking to learn more about Business Liability Insurance in Westchester NY please Contact Us at 877-892-KEEP (5337)

Residential and Commercial Insurance Coverage

Supplying both residential and commercial insurance coverage, Keep Insurance has your business and personal property protected. Continue reading

Obtain An Insurance Quote

Obtain An Insurance Quote

The Quick Quote form is a great way for you to submit minimal information and be contacted in a timely manner by one of our skilled professionals. When completing our Auto OR Home Quote Application, the information you provide will be quoted with multiple A rated carriers, and sent to our Underwriting Team. Our staff will then find the best price for the coverages you requested and propose the quote to you within 24 hours. Business Quotes will be quoted in-house by our Underwriting Team, and you will be contacted within 24 hours. The Instant Carrier Quote link is a way for you get an immediate quote from one of our insurance carriers directly. To speak with a representative about your particular insurance needs feel free to contact us!

Please note: None of the information you provide below will be shared with ANY outside source other than insurance providers, nor will it be used for prospecting or marketing purposes. The information you provide simply provides insurance professionals necessary criteria to better process your request.

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Privacy Policy

On-Line Consumer Policy:

Keep Insurance Privacy Policy

1.Gramm-Leach-Biley Act

a.Notice Title V of the Gramm-Leach-Bliley Act(“GLBA”) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a non-affiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of Keep Insurance and any subsidiaries and/or affiliates (“Keep”). You also have a right to prevent us from sharing nonpublic personal information about you with a non-affiliated third party for any purpose that is not specifically authorized by law.Your right to prevent us from sharing nonpublic personal information about you with a non-affiliated third party for a purpose that is not specifically authorized by law is called your right to “opt out” of such information sharing.

b.Privacy Polices and Practices

I.Information We Collect We may collect nonpublic personal information about you from the following sources: (a)information we receive from you on applications or other forms; (b) information about your transactions with us, our affiliates or others; (c) information we may receive from consumer reporting agencies; and (d) information from search agencies.Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you.

ii.Information We May Disclose to Third Parties We may disclose all of the information that we collect about you, as described above.

iii.Non-Affiliated Third Parties to Whom Disclosures May be Made, and Right to “Opt-Out” we may disclose nonpublic personal information about you to the following types of third parties, unless you tell us not to:(a) insurance companies; (b) companies through which we market your account including, insurance brokers, insurance agents, general agents, wholesale brokers and surplus lines brokers; (c) financial service providers; (d) mortgage bankers and/or brokers; (e) financing companies; (f) search companies; (g) claim adjusters and/or investigators; (h) governmental entities as may be required by law; (I) persons or entities as required by subpoena or court order; (j) fulfillment service providers; and (k) companies through which we have marketing agreements.We may also disclose nonpublic personal information about you to non-affiliated third parties as permitted by law.However, if you prefer that we not disclose nonpublic personal information about you to non-affiliated third parties, you may “opt out” of those disclosures, that is you may direct us not to make those disclosures, by making a written request to “opt out” of any disclosure of nonpublic personal information to non-affiliated third parties, signed by yourself or an authorized individual, and mailing the request to: Keep Insurance, 27 Cleveland Street, Valhalla, New York 1059; Att’n: Administrative Coordinator.

2.Fair Credit Reporting Act

a.Notice Under the Fair Credit Reporting Act, if non-transactional information is shared with affiliates, we must describe the information that may be shared, indicate what affiliates may receive this information, and afford you of the right to “opt-out” of such information sharing.

b.Policies and Procedures

I.Information We Can Share With Affiliates We may share with our affiliated companies information about you including: (a) information we obtained from your insurance application, such as your income or your marital status; (b) information we obtained from a consumer report, such as your credit score or credit history; (c) information we obtain to verify representations made by you, such as your open lines of credit; and (d) information we obtain from a person or entity regarding its employment, credit or other relationship with you, such as your employment history.

ii.Our Affiliated Companies Who May Receive This Information These are companies wholly or partly owned by Keep Insurance, or otherwise affiliated with Keep Insurance, which engage in agency and brokerage operations.

iii.Right to Opt-Out If you prefer that we do not share this information with our affiliated companies, you may direct us not to share this information by doing the following: send a written request to “opt out” of any disclosure of nonpublic personal information to affiliated companies, signed by yourself or an authorized individual, and mailing the request to: Keep Insurance, 27 Cleveland Street, Valhalla, New York 10595; Att’n: Administrative Coordinator.

3.Practices Regarding Confidentiality and Security We restrict access to no npublic personal information about you to those persons who need to know that information in order to provide products or services to you. We maintain physical electronic procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

4.Reservation of Right to Disclose Information in Certain Circumstances In connection with any potential sale or transfer of its interest, Keep Insurance and its subsidiaries and/or affiliates reserve the right to sell or transfer your information (including but not limited to your name, address, age, sex, zip code, state and country of residence, and other information you have provided) to a third-party entity that: (a) concentrates its business in a similar practice or service; (b) agrees to be successor in interest with regard to the maintenance and protection of the information collected; and (c) agrees to the obligations of this privacy statement.

5. Use of Credit Information In the course of processing an application for insurance, credit information may be obtained and utilized. Such information may also be obtained and utilized for processing policy renewals. In the event an adverse action is taken based on such information, the insurance carrier (or Keep Insurance if so designated by the carrier) will provide notification that such action has been taken.

6. Internet Information Keep and any affiliated insurance carriers or brokers whose products are provided through our site are the owners of the information collected on this site.

Keep may share aggregate information about our users with advertisers, business partners, sponsors and other third parties, though such summary information will not identify any specifics related to you. We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement. We may use IP addresses to analyze trends, administer the website, track user movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. We may use a cookie to store information about individual website users. Our website registration form requires users to give us contact information (like their name and email address) and demographic information. When you order a product, we need to know, and therefore collect, your contact information (like your name, address, and e-mail address), certain financial information and all information supplied in determining your ratability under the policy you purchase and the terms of such policy. Additionally, we retain a record of all information provided by you in your application as is the general practice in the insurance industry. Our website may contain links to other sites. Please be aware that Keep is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information.

7. Policy Changes Any amendment to this Policy shall be posted on this page, and shall be effective as of the time of posting, unless otherwise specified.

Revised 5/11/09